Steps to Managing your Debts
1. Know who and how much you owe.
2. Pay your bills on time each month.
3. Create a monthly bill payment calendar.
4. Make at least the minimum payment.
5. Decide which debts to pay off first.
6. Use an emergency fund to fall back on.
7. Use a monthly budget to plan your expenses.
8. Recognise the signs that you need help.